Now there are many different microfinance organizations. But not all of them are honest structures. How to recognize a wolf in sheep's clothing? This helps the state register of microfinance organizations.
general information
Numerous cybercriminals often like to disguise themselves as microfinance organizations , collecting personal data of people to use them for their own purposes. And we need a mechanism that will let you know if the organization is worth trusting. This is the register of microfinance organizations. You need to see if this company is there. Although theoretically it could be such that scammers entered the register of microfinance organizations, spied on the name of an existing enterprise and disguised themselves as it. Therefore, you should familiarize yourself with their information, which is publicly available. And when you read the documents, you should study them very carefully and focus on all at least a few suspicious points.
What is a register of microfinance organizations?
It is a special document. It contains all the MFIs that have passed official registration in the Russian Federation and in the territory of the state have the right to act. Inclusion in the register is a prerequisite for them to carry out lending activities. They can issue loans up to a million rubles. But still, in most cases, they amount to several thousand rubles and quite rarely represent even five-digit amounts. For new people, they do not exceed the values of 2000 or 3000. What do you need to know about the registry? It does not make individual entrepreneurs and individuals. A company that wants to engage in this type of activity may be represented as LLC, ANO and in other similar forms. That is, only a legal entity has the right to credit. Information about organizations is on a special site, and anyone who has access to the global network can familiarize themselves with it.
Conclusion
It should be noted that the registry does not give any guarantees, including the fact that the company will be hassle-free. He only reports that she was officially registered. And for this you just need to collect a certain set of documents. In technical terms, this is a list where certain information is contained, such as name, registration number, address and number of the issued certificate. For a general understanding of the situation: during the existence of the document, more than half of all companies were deleted from the register - and this despite the fact that their activities were officially allowed only from 2010. The reason for the disappearance is the presence of a mass of bad debts, violation of the rules and / or rights from the point of view of legislation and the lack of financial statements or the provision of false information.